Irish Health Insurance Changes from 1 June 2026: What You Need to Know
20 May 2026
Several health insurers are updating their plans and introducing new options effective 1 June 2026, with changes to monthly costs and benefits. We break down what these updates mean for your cover and how to find the best value.
Overview of the 1 June 2026 Changes
From 1 June 2026, VHI, Laya, and Level Health are making changes to a range of health insurance plans — including price adjustments, benefit modifications, and new plan launches. If your plan is affected, it's worth checking whether your cover still offers good value.
Price Changes Summary
| Provider | Plan | Previous Cost | New Cost | Change |
|---|---|---|---|---|
| VHI | PMI 39 14 | €138.17 | €149.79 | +€11.62 |
| VHI | PMI 10 11 | €128.67 | €139.58 | +€10.91 |
| VHI | PMI 19 11 | €130.86 | €141.19 | +€10.33 |
| VHI | PMI 61 10 | €134.89 | €143.08 | +€8.19 |
| Laya | SimplyHealth Plus | €152.69 | €142.92 | −€9.77 |
| Laya | Inspire Health | €134.53 | €130.00 | −€4.53 |
| Laya | Inspire Care | €142.63 | €139.17 | −€3.46 |
| Level Health | Plan A | €41.10 | €40.67 | −€0.43 |
All prices are per month.
VHI Plan Updates
All four VHI plans listed above are seeing premium increases of between €8 and €12 per month, with core benefits unchanged across all plans.
Laya Plan Updates
Laya is reducing prices on three existing plans, with no benefit changes on any of them:
- Inspire Care: €142.63 → €139.17 per month
- Inspire Health: €134.53 → €130.00 per month
- SimplyHealth Plus: €152.69 → €142.92 per month
Level Health Plan Update
Level Health Plan A: €41.10 → €40.67 per month, with no benefit changes.
New Laya Plans
Laya is launching three new plans under the Inspire range, all with 100% hospital cover and structured excess and shortfall arrangements:
- Inspire Connect — €142.92 per month. Full cover for semi-private rooms in public and private hospitals and private rooms in public hospitals. Includes cardiac, ophthalmic, orthopaedic, fertility, and everyday medical cover. €10 outpatient excess, €1,000 outpatient limit. Excess of €165 for private rooms in private hospitals and €650 in hi-tech hospitals. 40% shortfall for orthopaedic and ophthalmic procedures in hi-tech hospitals.
- Inspire Choice — €154.58 per month. Similar cover to Inspire Connect but without private room cover in hi-tech hospitals. Same €10 outpatient excess, €1,000 outpatient limit, and 40% shortfall for orthopaedic and ophthalmic procedures in hi-tech hospitals.
- Inspire Secure — €165.33 per month. The most comprehensive of the three — full cover for private rooms in both private and hi-tech hospitals, €4,000 outpatient limit, and a lower hi-tech hospital excess of €300. The 40% shortfall for orthopaedic and ophthalmic procedures in hi-tech hospitals still applies.
Compare Your Options at MedPlan.ie
These changes take effect on 1 June 2026. Use MedPlan.ie to compare all plans from VHI, Laya, Level Health, and Irish Life Health — and find the best value cover for your needs.